Professional Referral Partners
Your Client Needs Capital. Give Them Another Path.
You do not need to become the lender. When a client has a funding problem, connect the scenario with Joe Starcher Funding and give them another path to explore.
Direct answer: Refer the situation when capital is becoming the obstacle. Joe Starcher Funding can review the business need, existing debt, timing, and available funding paths so you can stay focused on your client relationship.
Who is a strong referral source?
- CPAs, accountants, and bookkeepers.
- Commercial bankers and business-banking professionals with requests that fall outside their credit box.
- Business brokers, consultants, and other professionals working with established companies.
- Payroll, insurance, and merchant-service professionals who see cash-flow pressure early.
- Equipment vendors and service providers whose customers need capital to complete a purchase.
- Real-estate agents, brokers, property managers, and investor-focused professionals.
Send the deal when...
- The bank declined the request or the approval process is taking too long.
- Cash flow is restricting growth or an opportunity cannot wait.
- Inventory, payroll, vendor payments, or equipment are creating pressure.
- Receivables are tying up cash the business needs now.
- An established business wants a line of credit or another backup funding path in place before the need becomes urgent.
- A real-estate investor needs business-purpose DSCR, bridge, fix-and-flip, construction, multifamily, or commercial financing.
You do not need to diagnose the product. Identify the problem and the approximate funding need. Joe can help determine which available path may be worth exploring.
What happens after the introduction?
- You make the introduction. Send Joe a high-level scenario or direct the client to the funding review process.
- Joe reviews the situation. The business need, revenue or property scenario, timing, credit profile, existing obligations, and available documentation help shape the review.
- The scenario is matched to available funding sources. The goal is to find a structure that fits the situation rather than push the first offer that appears.
- Joe handles the funding conversation. You remain the trusted professional who connected the client to another resource.
Business funding situations
Common business needs can include working capital, business lines of credit, term financing, SBA-related financing, equipment financing, receivables or cash-flow solutions, inventory, payroll, expansion, and other business-purpose needs.
Real-estate investment situations
Joe Starcher Funding also reviews business-purpose real-estate scenarios including DSCR, bridge, fix-and-flip, ground-up construction, multifamily, and commercial real estate. Product availability varies by provider and scenario.
What makes a useful first referral?
For an established business, the fastest initial screen usually includes approximate average monthly revenue, time in business, funding amount, use of funds, estimated credit range, and whether there are existing business loans or advances. A common marketing starting point is approximately $15,000+ in monthly revenue and 6+ months in business. These are not approval criteria or guarantees.